# NATICK FEDERAL SAVINGS BANK
NATICK, MA · FDIC certificate 28373 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $151.9M | |
| Deposits | $137.6M | |
| Loans and leases | $64.7M | |
| Total equity | $10.7M | |
| Loans / deposits | 46.83% (p15 of band) | 69.17% |
| Liquid assets / assets | 49.34% (p77 of band) | |
| Uninsured deposits / deposits | 1.26% (p6 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.70% (p49 of band) | |
| FHLB advances / assets | 1.70% | |
| Tier 1 leverage | 6.51% (p5 of band) | 10.02% |
| Unrealized securities loss / equity | 5.59% (p66 of band) | 3.21% |
| AOCI / equity | -0.06% (p27 of band) | |
| ROA (annualized) | -4.78% (p1 of band) | 0.78% |
| Net interest margin | 1.97% (p3 of band) | 3.76% |
| Efficiency ratio | 476.56% (p100 of band) | |
| Noncurrent loans | 1.41% (p52 of band) | 1.31% |
| Net charge-offs (annualized) | 0.06% (p50 of band) | |
| Reserve coverage of noncurrent | 30.04% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 14.77% (p49 of band) | |
| Auto loans | $74,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | securities losses >30% of equity, losing money, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  | securities losses >30% of equity |
| 2011-09 | 4 | expense ratio p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 6 | leverage <7%, capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-09-21 [Framingham Co-Operative, Natick Federal Savings to Become MutualOne Bank Monday - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSjBfbWdIcHJ2MnpuTE5tUVJQT0ljZW5zbkhkZXFvcF8xZVhERXBNcF9xUENISUdXV1RjSE8zTmdaRnNIZUtKUC1vWldTZ0xLajV1LXBzQUp2WnNtdUpVcHJ6Vk8xX29NcU5XX0FDRHZkZHdReUx6bHZiekF3Ti1sejB6bHpZMmNkVHhfVkVTY0xKd3JDSnNNVi1sNjJPbEU?oc=5) · Patch
- 2013-10-20 [Merge With Caution - wbjournal.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBYbmtwSmNfYmxfOVlERnRJbXZYMUdTWFhTUUJmUE01NGQ1YkVfTmNnRVpiZ09UWTlmUUF4bFhpX1pPYWJTdkdvOTVWZUdzRkhsY0t6SW5idkoyMjRoTnc?oc=5) · wbjournal.com
- 2022-09-30 [Julie Whitney-Blair Obituary (2012) - Natick, MA - MetroWest Daily News - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNXzFIR1Zid0FVNmR3MW1XeUJMdlcwQV9nbzFGNWd2Q01pUFdwVzRpaEtza3h6dEhud2hWX2ZDNGIyejcxc1hHOVVDODAxZnB1RUtQeUFIcl9YTUhtSGplZ1dDRnlDODFBcVBEREp4MGd4UDU4VGpZdG5kRHdpUzFvb0tXWmR4UHo3UDRfRkIyZTNqaGFKNXhKcElfTVp4cE1kMlJr?oc=5) · legacy.com
- 2012-02-10 [Gazette Obituaries - Times Herald-Record](https://news.google.com/rss/articles/CBMiigFBVV95cUxQQUkzdVo3MzBTMUVYYWp1b0hYY19vaWxqU3hBS2hPSXNtNDdqYXFOUllVTXk4dm1LSGhyMERxYXNPS3Q4bDEyQmwwQUE2YS1pZGtRM1VMQ3ZCN1ViQUNSejZoYk9FZkRBcVZ4SmozamtvQzgxbHAyMXItVm0zaW5FQk0zSmpWQVlWY2c?oc=5) · Times Herald-Record
- 2012-06-16 [Timothy A. - CurrentObituary.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE1DakpaSEtxNFExYktwRnBXNGdVM1JJQXZ3TThmM1NxdWlJdFN2TjdGSDZqS1lWeW45TlBaLWVvZ2RjUlctbi1ycFFTR3NtcTBjM0s4b1p3?oc=5) · CurrentObituary.com
- 2026-02-20 [MARY MICHAEL Obituary (2026) - Natick, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOdURZa2FGTm9JN1BqYVNZQUhQb18yTndGSnVHeEJ0TVpFWlNXMjZmdGFfdkNVdnF5VUdMSWtidWdRaERseThFdUx4Ymg0V3Jaam9EVFJaSkVKRUQwS0lMMUEySnlxSTNoQzJ2MXFGUnFRelFWQ2ZqVDN2YnhrTjlHMXhVeWQ5dTNZcnF6djBhMGc?oc=5) · legacy.com
- 2021-10-17 [Michael Breau Obituary (2005) - Natick, Hopkinton, Wellesley, MA - Boston Globe - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOeHRRUDZCWjdaMnZleTZIenBqRGNUeGR4bzVCdDNjSDA1YW1EN09VRm4tczBRYkZTVzhBMmRoZlR0ZkhHNVozems4MVk4XzRud1kzNlRRbXhod1dfSGhuMXN0SEtOU05LYUw5Nk5SQmZXdFBTVUZiQTdrdnQ4ckFuUW9KOURsMG8yYjRUUmpEYlI3Zw?oc=5) · legacy.com
- 2019-09-04 [Sharon McCampbell Obituary (2019) - Wellesley Hills, MA - MetroWest Daily News - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOc2pJTkNHczNwOEF1NXB6akJHSG5CR1BXWGNJWVRvSUNscnRBVlQ2UHJvVzVXRTdMY0Y1LU5nR1RZZnp2blI3ZkRkOWlrTnFtc0RHTW93azJyeDJFMkdobWVHbXZTVWVHWWZlUnNxMl92MVVQNFJUU2lvQzNxSkJIMlB1RGEyWEJSWWpJdHN5WUVuM29QbmtzYWFxR05TNXM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28373 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "28373", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide